Ms Grainne Irwin:

Yes.

The thing that frightened me a lot in recent weeks is that I realised that the amount we are paying now on the split mortgage is higher than the amount we were paying when we started the mortgage in the first place because of the increase in the interest rates. It is €60 more. That is down to one thing, that is, the interest rate. That has to be controlled. It should not matter that the lender says it is not a bank. It is acting as a bank, so in my mind it is a bank. I was of the same belief. I did not care who I paid my money to once I was paying it. Now I care because the fund is not fit to handle mortgages. There needs to be some sort of intervention by the State, perhaps by the Central Bank, owing to the fact that the Central Bank allowed this to happen. I would like to see someone find out why the Central Bank was a little bit asleep at the wheel. We need a little fairness, as Mr. Byrne said, for people who are put in our situation, despite having done everything right.